Mark your calendar! Open enrollment for Individual Health Insurance and Covered California will start from October 15 through December 15 for a January 1, 2020 effective date. Consumer’s signing up between December 16 and January 15 will have a February 1, 2020 effective date. Covered CA estimated that this Open Enrollment Period is likely to…

As a part of its 2019 budget legislation, the California legislature has passed an individual mandate under Assembly Bill 414. The California legislation would require all individuals who are California residents to carry minimum essential coverage for themselves, their spouses and their dependents for every month beginning on and after January 1, 2020. The mandate…

Short-term limited duration insurance plans will be banned in California beginning January 1, 2019. It means you can’t buy short-term insurance anymore in California. Some carriers have decided to stop selling these plans now, while other carriers will continue to sell new policies through December 31, 2018. Covered California will allow a Special Enrollment Period…

Preventive health care can help you stay healthier throughout your life. Preventive care includes health services like screenings, check-ups, and patient counseling that are used to prevent illnesses, disease, and other health problems, or to detect illness at an early stage when treatment is likely to work best. Getting recommended preventive services and making healthy…

Individual and family plan open enrollment ends on January 31, 2018. After that, you can’t enroll in a new plan unless you have a qualifying event. Get enrolled now. Contact me for help.

Will I get a tax penalty for not having insurance? You may have questions about the federal tax law that was just passed last December. Covered California coverage and benefits, including financial help to reduce monthly premiums, has NOT changed for 2018. The penalty also remains in effect for 2018 coverage. The only change is…

In the next few weeks, you will be starting the process of renewing your health insurance. If you want to buy individual/family insurance for 2018, now is a great time to start your planning. Finding the right plan can be complicated, and a licensed agent can suggest the most appropriate options for you and your…

In the absence of a federal commitment to continue funding cost-sharing reduction (CSR) reimbursements through the upcoming year, Covered California health insurance companies will add a CSR surcharge to Silver-tier products in 2018. CSR enables lower copays/coinsurances and premiums for those who qualify and usually are available at silver-tier plans. What It Means To You A Covered California…

This news applies to Individual and Family Health Insurance. Anthem Medicare Advantage, Part D Drug, and Medigap Insurance plans are still available in San Diego. Anthem Blue Cross of California is withdrawing from 16 of California’s 19 Pricing Regions where it serves approximately 153,000 consumers, and this includes San Diego County. They will remain in…

What is Short Term Health Insurance? Short term health insurance, also called Temporary health insurance, is medical insurance designed to provide coverage during the gaps between other health care plans. Consider Short Term if you’re: Between jobs Waiting for other coverage to begin Waiting to be eligible for Medicare coverage – Part A and/or Part…

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